The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 163,664 2,090,752 SH   DFND   2,040,033 50 50,669
BLACKROCK INC COM 09247X101 139,222 296,658 SH   DFND   250,053 70 46,535
DOLLAR GENERAL CORP COM 256677105 56,148 415,418 SH   DFND   346,814 75 68,529
S&P GLOBAL INC COM 78409V104 70,369 308,921 SH   DFND   259,353 80 49,488
BECTON DICKINSON COM 075887109 87,445 346,990 SH   DFND   296,114 95 50,781
HONEYWELL INTERNATIONAL, INC. COM 438516106 66,913 383,257 SH   DFND   325,957 115 57,185
UNITEDHEALTH GROUP INC COM COM 91324P102 114,705 470,085 SH   DFND   385,068 120 84,897
ISHARES BARCLAYS 7-10 YEAR TREASURY BOND FUND 7-10 Y TR BD ETF 464287440 13,611 123,716 SH   DFND   120,810 123 2,783
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI US ETF 464288240 18,696 399,837 SH   DFND   343,442 125 56,270
AIR PRODUCTS & CHEMICALS INC COM 009158106 131,535 581,062 SH   DFND   504,830 125 76,107
DUPONT DE NEMOURS INC COM 26614N102 60,887 811,065 SH   DFND   712,603 164 98,298
MASTERCARD CLA 57636Q104 175,657 664,035 SH   DFND   551,974 175 111,886
LOWES COS INC COM 548661107 110,708 1,097,101 SH   DFND   917,542 175 179,384
EMERSON ELECTRIC CO COM 291011104 50,130 751,355 SH   DFND   656,448 180 94,727
MEDTRONIC PLC SHS G5960L103 71,906 738,333 SH   DFND   653,561 185 84,587
ACCENTURE LTD SHS CLASS A G1151C101 147,441 797,969 SH   DFND   647,957 200 149,812
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 19,383 180,139 SH   DFND   177,437 202 2,500
APPLE INC COM 037833100 176,402 891,278 SH   DFND   757,388 205 133,685
FEDEX CORP COM 31428X106 78,556 478,443 SH   DFND   400,759 240 77,444
EXXON MOBIL CORP COM 30231G102 83,054 1,083,836 SH   DFND   939,623 250 143,963
BAXTER INTL INC COM 071813109 91,808 1,120,978 SH   DFND   939,499 250 181,229
JOHNSON & JOHNSON COM 478160104 149,272 1,071,740 SH   DFND   907,655 255 163,830
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 132,641 949,877 SH   DFND   793,287 275 156,315
PEPSICO INC COM 713448108 141,632 1,080,090 SH   DFND   922,903 275 156,912
STARBUCKS CORP COM 855244109 83,527 996,386 SH   DFND   843,464 290 152,632
MICROSOFT CORP COM 594918104 204,921 1,529,721 SH   DFND   1,352,965 290 176,466
UNITED TECHNOLOGIES CORP COM 913017109 117,736 904,274 SH   DFND   744,712 300 159,262
J.P. MORGAN CHASE & CO COM 46625H100 155,897 1,394,429 SH   DFND   1,181,697 300 212,432
COCA-COLA CO COM 191216100 86,009 1,689,097 SH   DFND   1,434,887 300 253,910
ORACLE SYS CORP COM 68389X105 86,475 1,517,904 SH   DFND   1,249,898 310 267,696
INVESCO TAXABLE MUNICIPAL BOND PORTFOLIO TAXABLE MUN BD 46138G805 14,139 449,703 SH   DFND   443,726 357 5,620
CVS HEALTH CORPORATION COM 126650100 86,022 1,578,669 SH   DFND   1,299,623 425 278,621
U S BANCORP COM NEW 902973304 88,608 1,690,993 SH   DFND   1,416,393 610 273,990
TJX COS INC NEW COM 872540109 130,168 2,461,578 SH   DFND   2,015,514 645 445,419
ISHARES INTERMEDIATE TERM CORP BOND ETF INTERM CR BD ETF 464288638 38,834 681,902 SH   DFND   667,105 788 14,009
COMCAST CORP NEW COM CL A CL A 20030N101 133,592 3,159,694 SH   DFND   2,601,425 845 557,424
ISHARES SHORT-TERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 45,241 846,570 SH   DFND   829,494 958 16,118
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 37,419 734,712 SH   DFND   719,022 1,000 14,690
AMAZON.COM INC COM 023135106 3,208 1,694 SH   DFND   1,686 0 8
AMERICAN EXPRESS CO COM 025816109 2,950 23,900 SH   DFND   23,875 0 25
SHERWIN WILLIAMS CO COM 824348106 2,376 5,185 SH   DFND   5,114 0 71
BOEING CO COM 097023105 2,627 7,217 SH   DFND   7,139 0 78
COSTCO WHSL CORP NEW COM COM 22160K105 1,314 4,972 SH   DFND   4,830 0 142
ILLINOIS TOOL WKS INC COM 452308109 3,284 21,778 SH   DFND   21,614 0 164
ALCON INC ORD SHS H01301128 317 5,106 SH   DFND   4,906 0 200
CATERPILLAR INC COM 149123101 851 6,242 SH   DFND   5,992 0 250
ISHARES CORE MSCI ACMI CORE MSCI TOTAL 46432F834 1,126 19,205 SH   DFND   18,880 0 325
LOCKHEED MARTIN CORP COM 539830109 12,192 33,538 SH   DFND   33,123 0 415
INTEL CORP COM 458140100 6,502 135,823 SH   DFND   135,223 0 600
ISHARES IBOXX $ INVESTOP INVESTMENT GRADE BOND FUN IBOXX INV CP ETF 464287242 794 6,384 SH   DFND   5,744 0 640
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 2,884 44,324 SH   DFND   43,624 0 700
NOVARTIS AG - ADR SPONSORED ADR 66987V109 2,492 27,287 SH   DFND   26,287 0 1,000
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200 40,118 136,110 SH   DFND   135,079 0 1,031
BERKSHIRE HATHAWAY INC DEL CL B CL B NEW 084670702 4,533 21,266 SH   DFND   20,166 0 1,100
AMERICAN ELECTRIC POWER COM 025537101 12,292 139,667 SH   DFND   138,526 0 1,141
BRISTOL MYERS SQUIBB CO COM 110122108 3,527 77,778 SH   DFND   76,578 0 1,200
AMERICAN TOWER CORP COM 03027X100 26,158 127,943 SH   DFND   126,552 0 1,391
UNION PACIFIC CORP COM 907818108 9,789 57,887 SH   DFND   56,377 0 1,510
INTERNATIONAL BUSINESS MACHINES COM 459200101 2,836 20,563 SH   DFND   18,989 0 1,574
CORTEVA INC COM 22052L104 5,378 181,858 SH   DFND   179,964 0 1,894
AQUA AMERICA INC COM 03836W103 988 23,885 SH   DFND   21,928 0 1,957
DOW INC COM 260557103 13,347 270,674 SH   DFND   268,509 0 2,165
GENUINE PARTS CO COM 372460105 36,939 356,625 SH   DFND   353,946 0 2,679
TRAVELERS COMPANIES INC COM 89417E109 908 6,071 SH   DFND   3,228 0 2,843
GENERAL MILLS INC COM 370334104 834 15,888 SH   DFND   12,988 0 2,900
AT&T INC COM 00206R102 4,914 146,637 SH   DFND   143,685 0 2,952
PHILIP MORRIS INTL,INC COM 718172109 41,081 523,119 SH   DFND   519,757 0 3,362
ROYAL DUTCH SHELL PLC - ADR SPON ADR B 780259107 26,691 406,016 SH   DFND   402,501 0 3,515
TAPESTRY INC COM 876030107 21,055 663,578 SH   DFND   659,981 0 3,597
CAMPBELL SOUP CO COM 134429109 252 6,290 SH   DFND   2,665 0 3,625
HOME DEPOT INC COM 437076102 17,736 85,280 SH   DFND   81,385 0 3,895
NIKE INC CL B CL B 654106103 1,759 20,951 SH   DFND   16,951 0 4,000
UNITED PARCEL SVC INC CL B CL B 911312106 39,491 382,403 SH   DFND   378,373 0 4,030
AUTOMATIC DATA PROCESSING COM 053015103 49,124 297,130 SH   DFND   292,683 0 4,447
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105 25,211 610,296 SH   DFND   605,788 0 4,508
KIMBERLY CLARK CORP COM 494368103 33,727 253,057 SH   DFND   248,142 0 4,915
BB&T CORP COM 054937107 36,266 738,171 SH   DFND   731,620 0 6,551
ALTRIA GROUP INC COM COM 02209S103 22,404 473,158 SH   DFND   466,548 0 6,610
EATON CORP, PLC SHS G29183103 38,370 460,731 SH   DFND   453,930 0 6,801
VANGUARD TOTAL INTL STOCK INDEX FUND ETF VG TL INTL STK F 921909768 15,718 297,974 SH   DFND   290,034 0 7,940
GAP INC COM 364760108 26,478 1,473,479 SH   DFND   1,465,197 0 8,282
SPDR TR UNIT SER 1 TR UNIT 78462F103 35,277 120,400 SH   DFND   111,910 0 8,490
CISCO SYS INC COM 17275R102 56,110 1,025,210 SH   DFND   1,016,559 0 8,651
VERIZON COMMUNICATIONS COM 92343V104 41,334 723,516 SH   DFND   713,387 0 10,129
3M COMPANY COM 88579Y101 7,412 42,760 SH   DFND   31,460 0 11,300
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 88,705 456,632 SH   DFND   445,162 0 11,470
VANGUARD FTSE ALL WORLD SC ETF FTSE SMCAP ETF 922042718 44,314 420,994 SH   DFND   409,490 0 11,504
CHEVRON CORPORATION COM 166764100 38,529 309,616 SH   DFND   298,028 0 11,588
COLGATE-PALMOLIVE CO COM 194162103 3,314 46,239 SH   DFND   34,069 0 12,170
PFIZER INC COM 717081103 19,852 458,256 SH   DFND   445,717 0 12,539
MERCK & CO COM 58933Y105 44,340 528,807 SH   DFND   514,114 0 14,693
UNILEVER N V WI N Y SHS NEW 904784709 2,527 41,610 SH   DFND   24,045 0 17,565
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 69,452 1,051,024 SH   DFND   1,032,372 0 18,652
ABBOTT LABS COM 002824100 7,514 89,350 SH   DFND   69,800 0 19,550
ABBVIE INC. COM 00287Y109 6,202 85,288 SH   DFND   65,285 0 20,003
MCDONALDS CORP COM 580135101 33,198 159,868 SH   DFND   135,550 0 24,318
VANGUARD FTSE EUROPE PACIFIC ETF FTSE DEV MKT ETF 921943858 8,688 208,292 SH   DFND   164,140 0 44,152
WELLS FARGO CO COM 949746101 7,548 159,518 SH   DFND   115,313 0 44,205
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 213,960 3,484,687 SH   DFND   3,415,328 0 69,359
PROCTER & GAMBLE COM 742718109 25,292 230,662 SH   DFND   156,489 0 74,173
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 15,469 386,542 SH   DFND   280,173 0 106,369
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 276,641 5,377,941 SH   DFND   5,267,658 0 110,283
VANECK VECTORS OIL SERVICE OIL SVCS ETF 92189F718 2,297 155,000 SH   DFND   0 0 155,000
ISHARES LONG TERM CORP BOND ETF 10+ YR CR BD ETF 464289511 268 4,210 SH   DFND   4,210 0 0
NOVO-NORDISK A/S SPONS ADR ADR 670100205 570 11,176 SH   DFND   11,176 0 0
JP MORGAN ALERIAN MLP INDEX ALERIAN ML ETN 46625H365 433 17,250 SH   DFND   17,250 0 0
ALPHABET INC - CL A CAP STK CL A 02079K305 1,339 1,237 SH   DFND   1,237 0 0
ALPHABET INC CL C CAP STK CL C 02079K107 2,388 2,209 SH   DFND   2,209 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 4,775 15 SH   DFND   15 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 12,416 39 SH   DFND   39 0 0
CONSTELLATION BRANDS COM CL A 21036P108 318 1,615 SH   DFND   1,615 0 0
MARRIOTT INTL INC NEW CL A CL A 571903202 334 2,383 SH   DFND   2,383 0 0
LITHIA MOTORS INC CL A CL A 536797103 296 2,490 SH   DFND   2,490 0 0
ESTEE LAUDER COS INC CL A CL A 518439104 619 3,379 SH   DFND   3,379 0 0
MSC INDUSTRIAL DIRECT CO - A CL A 553530106 374 5,040 SH   DFND   5,040 0 0
FACEBOOK INC CL A 30303M102 1,601 8,296 SH   DFND   8,296 0 0
MONDELEZ INTERNATIONAL INC CL A CL A 609207105 712 13,207 SH   DFND   13,207 0 0
CBS CORP CL B CL B 124857202 349 6,990 SH   DFND   6,990 0 0
BROWN-FORMAN CORP CL B 115637209 501 9,036 SH   DFND   9,036 0 0
WW GRAINGER INC COM 384802104 215 800 SH   DFND   800 0 0
INTUIT INC COM 461202103 240 919 SH   DFND   919 0 0
ECOLAB INC COM 278865100 216 1,095 SH   DFND   1,095 0 0
GOLDMAN SACHS GROUP INC COM COM 38141G104 245 1,199 SH   DFND   1,199 0 0
TRANSDIGM GROUP, INC. COM 893641100 629 1,300 SH   DFND   1,300 0 0
GENERAL DYNAMICS CORP COM 369550108 270 1,486 SH   DFND   1,486 0 0
NETFLIX INC COM 64110L106 562 1,530 SH   DFND   1,530 0 0
ANTHEM INC COM 036752103 488 1,730 SH   DFND   1,730 0 0
HUBBELL INC COM 443510607 251 1,926 SH   DFND   1,926 0 0
DIGITAL REALTY TRUST COM 253868103 237 2,012 SH   DFND   2,012 0 0
STANLEY BLACK AND DECKER COM 854502101 325 2,245 SH   DFND   2,245 0 0
ZIMMER HLDGS INC COM COM 98956P102 288 2,450 SH   DFND   2,450 0 0
DARDEN RESTAURANTS COM 237194105 312 2,561 SH   DFND   2,561 0 0
PPG INDS INC COM 693506107 312 2,676 SH   DFND   2,676 0 0
PRUDENTIAL FINL INC COM 744320102 279 2,761 SH   DFND   2,761 0 0
THE BRINKS COMPANY COM 109696104 225 2,768 SH   DFND   2,768 0 0
CUMMINS INC COM 231021106 479 2,796 SH   DFND   2,796 0 0
XYLEM INC COM 98419M100 234 2,799 SH   DFND   2,799 0 0
ONEOK INC COM 682680103 203 2,955 SH   DFND   2,955 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 955 3,253 SH   DFND   3,253 0 0
DOVER CORP COM 260003108 337 3,365 SH   DFND   3,365 0 0
DEERE & CO. COM 244199105 592 3,574 SH   DFND   3,574 0 0
CLOROX CO COM 189054109 553 3,611 SH   DFND   3,611 0 0
THE HERSHEY COMPANY COM 427866108 496 3,704 SH   DFND   3,704 0 0
CANADIAN PACIFIC RAILWAY LTD COM 13645T100 882 3,750 SH   DFND   3,750 0 0
FIDELITY NATIONAL INFO SVCS COM 31620M106 462 3,768 SH   DFND   3,768 0 0
ALLSTATE CORP COM 020002101 386 3,798 SH   DFND   3,798 0 0
ROSS STORES INC COM 778296103 424 4,274 SH   DFND   4,274 0 0
COMMUNITY BANK SYSTEM INC COM 203607106 282 4,279 SH   DFND   4,279 0 0
PAYCHEX INC COM 704326107 354 4,302 SH   DFND   4,302 0 0
AMETEK INC COM 031100100 412 4,540 SH   DFND   4,540 0 0
UGI CORP NEW COM 902681105 264 4,950 SH   DFND   4,950 0 0
MARATHON PETROLEUM CORP COM 56585A102 279 4,998 SH   DFND   4,998 0 0
VENTAS INC COM 92276F100 365 5,338 SH   DFND   5,338 0 0
CELGENE CORP COM 151020104 502 5,432 SH   DFND   5,432 0 0
LINDE PLC COM G5494J103 1,106 5,507 SH   DFND   5,507 0 0
NORTHROP GRUMMAN CORP COM 666807102 1,887 5,839 SH   DFND   5,839 0 0
CANADIAN NATL RAILWAY CO COM 136375102 556 6,010 SH   DFND   6,010 0 0
LILLY, ELI & COMPANY COM 532457108 711 6,418 SH   DFND   6,418 0 0
TD AMERITRADE HOLDINGS COM 87236Y108 332 6,660 SH   DFND   6,660 0 0
HANOVER FOODS CORP - CL A COM 41078W100 601 7,333 SH   DFND   7,333 0 0
V F CORPORATION COM 918204108 645 7,379 SH   DFND   7,379 0 0
ENBRIDGE INC. COM 29250N105 271 7,519 SH   DFND   7,519 0 0
INTERACTIVE BROKERS GROUP COM 45841N107 413 7,625 SH   DFND   7,625 0 0
SEI INVESTMENTS CO COM 784117103 449 8,000 SH   DFND   8,000 0 0
EXELON CORP COM 30161N101 404 8,428 SH   DFND   8,428 0 0
FASTENAL COMPANY COM 311900104 277 8,510 SH   DFND   8,510 0 0
PUBLIC SVC ENTERPRISES COM 744573106 503 8,547 SH   DFND   8,547 0 0
CITIZENS FINANCIAL COM 174610105 323 9,135 SH   DFND   9,135 0 0
SOUTHERN CO COM 842587107 509 9,210 SH   DFND   9,210 0 0
SOUTHERN NATIONAL BANCORP OF VIRG. INC. COM 843395104 153 10,000 SH   DFND   10,000 0 0
STRYKER CORP COM 863667101 2,109 10,259 SH   DFND   10,259 0 0
CENOVUS ENERGY INC COM 15135U109 90 10,260 SH   DFND   10,260 0 0
ENCANA CORP COM COM 292505104 53 10,260 SH   DFND   10,260 0 0
VERSUM MATERIALS INC COM 92532W103 534 10,348 SH   DFND   10,348 0 0
TEXAS INSTRUMENTS INC COM 882508104 1,220 10,629 SH   DFND   10,629 0 0
WALGREENS BOOTS ALLIANCE, INC COM 931427108 631 11,547 SH   DFND   11,547 0 0
M & T BK CORP COM 55261F104 2,075 12,198 SH   DFND   12,198 0 0
PHILLIPS 66 COM 718546104 1,167 12,480 SH   DFND   12,480 0 0
DANAHER CORP COM 235851102 1,880 13,151 SH   DFND   13,151 0 0
OCCIDENTAL PETE CORP COM 674599105 669 13,301 SH   DFND   13,301 0 0
CIGNA CORP COM 125523100 2,127 13,503 SH   DFND   13,503 0 0
SYSCO CORP COM 871829107 988 13,965 SH   DFND   13,965 0 0
SOUTHWEST AIRLS CO COM 844741108 729 14,355 SH   DFND   14,355 0 0
SCHLUMBERGER COM 806857108 597 15,023 SH   DFND   15,023 0 0
CHUBB LTD COM H1467J104 2,350 15,955 SH   DFND   15,955 0 0
NEXTERA ENERGY INC COM 65339F101 3,270 15,961 SH   DFND   15,961 0 0
QUALCOMM INC COM 747525103 1,215 15,978 SH   DFND   15,978 0 0
DOMINION ENERGY INC COM 25746U109 1,279 16,542 SH   DFND   16,542 0 0
WASTE MGMT INC DEL COM 94106L109 1,923 16,664 SH   DFND   16,664 0 0
CHURCH & DWIGHT CO COM 171340102 1,237 16,934 SH   DFND   16,934 0 0
NORFOLK SOUTHERN CORP COM 655844108 3,441 17,265 SH   DFND   17,265 0 0
NESTLE S A SPON ADR REG COM 641069406 1,868 18,064 SH   DFND   18,064 0 0
PNC FINANCIAL CORP COM 693475105 2,576 18,765 SH   DFND   18,765 0 0
WAL-MART STORES COM 931142103 2,098 18,990 SH   DFND   18,990 0 0
PPL CORP COM COM 69351T106 603 19,452 SH   DFND   19,452 0 0
AFLAC COM 001055102 1,177 21,480 SH   DFND   21,480 0 0
HP INC. COM 40434L105 453 21,768 SH   DFND   21,768 0 0
TARGET CORP COM 87612E106 2,085 24,074 SH   DFND   24,074 0 0
MIDDLESEX WTR CO COM 596680108 1,452 24,501 SH   DFND   24,501 0 0
MGM RESORTS INTERNATIONAL COM 552953101 762 26,680 SH   DFND   26,680 0 0
CONSOLIDATED EDISON INC COM 209115104 2,571 29,324 SH   DFND   29,324 0 0
SYNCHRONY FINAN COM 87165B103 1,299 37,458 SH   DFND   37,458 0 0
BANK OF AMERICA COM 060505104 1,126 38,841 SH   DFND   38,841 0 0
CONOCOPHILLIPS COM 20825C104 2,721 44,608 SH   DFND   44,608 0 0
GENERAL ELECTRIC COM 369604103 487 46,398 SH   DFND   46,398 0 0
CHEMOURS COMPANY COM 163851108 1,535 63,942 SH   DFND   63,942 0 0
AMGEN INC COM 031162100 12,343 66,982 SH   DFND   66,982 0 0
ENTERPRISE PRODUCTS PARTNERS COM 293792107 3,178 110,083 SH   DFND   110,083 0 0
GLATFELTER P H CO COM 377316104 2,928 173,445 SH   DFND   173,445 0 0
CME GROUP INC. COM C;L A 12572Q105 293 1,508 SH   DFND   1,508 0 0
VISA IN - CLASS A COM CL A 92826C839 2,154 12,409 SH   DFND   12,409 0 0
SMUCKER J M CO COM NEW COM NEW 832696405 285 2,472 SH   DFND   2,472 0 0
RAYTHEON CO NEW COM COM NEW 755111507 862 4,955 SH   DFND   4,955 0 0
TORONTO-DOMINION BANK COM NEW 891160509 798 13,675 SH   DFND   13,675 0 0
DUKE ENERGY CORP COM NEW 26441C204 1,252 14,192 SH   DFND   14,192 0 0
MCCORMICK & CO COM NON VTG 579780206 230 1,485 SH   DFND   1,485 0 0
MAGELLAN MIDSTREAM PARTNERS COM UNIT RP LP 559080106 1,335 20,860 SH   DFND   20,860 0 0
ENERGY TRANSFER COM UT LTD PTN 29273V100 1,423 101,062 SH   DFND   101,062 0 0
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852 594 12,065 SH   DFND   12,065 0 0
VANGUARD DIVIDEND DIV APP ETF 921908844 9,562 83,037 SH   DFND   83,037 0 0
ISHARES MSCI EAFE GROWTH INDEX FUND EAFE GRWTH ETF 464288885 508 6,285 SH   DFND   6,285 0 0
ISHARES EMERGING MKTS HI YIELD BD FD EM HGHYL BD ETF 464286285 214 4,488 SH   DFND   4,488 0 0
ISHARES MSCI EMERGING MARKETS MINIMUM VOLATILITY I EM MK MINVOL ETF 464286533 2,085 35,425 SH   DFND   35,425 0 0
COLUMBIA EMERGING MARKETS CONSUMER ETF EMRG MARKETS ETF 19762B509 366 16,025 SH   DFND   16,025 0 0
ISHARES NORTH AMERICAN TECH-SOFTWARE ETF EXPANDED TECH 464287515 213 975 SH   DFND   975 0 0
FNF GROUP FNF GROUP COM 31620R303 362 8,990 SH   DFND   8,990 0 0
VANGUARD FTSE EMERGING MARKET ETF FTSE EMR MKT ETF 922042858 5,477 128,770 SH   DFND   128,770 0 0
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 703 12,799 SH   DFND   12,799 0 0
GLOBAL X MLP & ENERGY INFRASTRUCTURE ETF GLB X MLP ENRG I 37950E226 1,806 139,580 SH   DFND   139,580 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,332 10,000 SH   DFND   10,000 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 773 4,734 SH   DFND   4,734 0 0
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 1,069 12,229 SH   DFND   12,229 0 0
ISHARES HIGH DIVIDEND EQUITY HIGH DIVIDND ETF 46429B663 6,893 72,937 SH   DFND   72,937 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND FUND IBOXX INV CP ETF 464288513 438 5,023 SH   DFND   5,023 0 0
VANGUARD INFO TECH ETF INF TECH ETF 92204A702 2,193 10,401 SH   DFND   10,401 0 0
WISDOMTREE DEFA FUND INTL EQUITY FD 97717W703 496 9,720 SH   DFND   9,720 0 0
ISHARES DOW JONES INTERNATIONAL SELECT DIVIDEND IN INTL SEL DIV ETF 464288448 1,207 39,306 SH   DFND   39,306 0 0
ISHARES BARCLAYS INTERMEDIATE GOVERNMENT/CREDIT BO INTRM GOV/CR ETF 464288612 746 6,647 SH   DFND   6,647 0 0
WISDOMTREE JAPAN HEDGED EQUITY FUND JAPN HEDGE EQT 97717W851 2,966 60,905 SH   DFND   60,905 0 0
VANGUARD MID-CAP GROWTH ETF MCAP GR IDXVIP 922908538 235 1,574 SH   DFND   1,574 0 0
VANGUARD MIDCAP VALUE ETF MCAP VL IDXVIP 922908512 413 3,709 SH   DFND   3,709 0 0
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN INDEX FUND MSCI AC ASIA ETF 464288182 232 3,325 SH   DFND   3,325 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257 1,068 14,494 SH   DFND   14,494 0 0
ISHARES MSCI EAFE INDEX FUND MSCI EAFE ETF 464287465 1,078 16,405 SH   DFND   16,405 0 0
ISHARES NATIONAL AMT-FREE MUNICIPAL BOND FUND NAT AMT FREE BD 464288414 310 2,742 SH   DFND   2,742 0 0
VANGUARD REIT ETF REIT ETF 922908553 3,174 36,313 SH   DFND   36,313 0 0
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 276 1,696 SH   DFND   1,696 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND RUS 1000 GRW ETF 464287614 3,462 22,006 SH   DFND   22,006 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND RUS 1000 VAL ETF 464287598 1,441 11,325 SH   DFND   11,325 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND RUS 2000 GRW ETF 464287648 1,075 5,350 SH   DFND   5,350 0 0
ISHARES RUSSELL MID CAP GROWTH INDEX FUND RUS MDCP VAL ETF 464287481 857 6,013 SH   DFND   6,013 0 0
ISHARES RUSSELL MID CAP INDEX FUND RUS MID-CAP ETF 464287499 1,149 20,572 SH   DFND   20,572 0 0
ISHARES RUSSELL 2000 INDEX FUND RUSSELL 2000 ETF 464287655 6,758 43,459 SH   DFND   43,459 0 0
ISHARES RUSSELL 3000 INDEX FUND RUSSELL 3000 ETF 464287689 302 1,750 SH   DFND   1,750 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 3,657 13,588 SH   DFND   13,588 0 0
ISHARES S&P 500 GROWTH INDEX FUND S&P 500 GRWT ETF 464287309 1,075 5,997 SH   DFND   5,997 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 323 3,202 SH   DFND   3,202 0 0
ISHARES S&P MID CAP 400 GROWTH INDEX FUND S&P MC 400GR ETF 464287606 210 928 SH   DFND   928 0 0
ISHARES S&P MID CAP 400 VALUE INDEX FUND S&P MC 400VL ETF 464287705 268 1,679 SH   DFND   1,679 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 7,651 70,973 SH   DFND   70,973 0 0
SPDR FINANCIAL SELECT SBI INT-FINL 81369Y605 2,469 89,455 SH   DFND   89,455 0 0
UTILITIES SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 819 13,740 SH   DFND   13,740 0 0
ISHARES DJ SELECT DIVIDEND INDEX FUND SELECT DIVID ETF 464287168 5,227 52,501 SH   DFND   52,501 0 0
LIBERTY PROPERTY TRUST SH BEN INT 531172104 250 5,000 SH   DFND   5,000 0 0
ALLERGAN PLC SHS G0177J108 743 4,438 SH   DFND   4,438 0 0
ISHARES SHORT MATURITY BOND SHT MAT BD ETF 46431W507 502 9,969 SH   DFND   9,969 0 0
VANGUARD SMALL-CAP ETF SMALL CAP ETF 922908751 739 4,720 SH   DFND   4,720 0 0
ISHARES S&P SMALL CAP 600 VALUE INDEX FUND SP SMCP600VL ETF 464287879 3,291 22,145 SH   DFND   22,145 0 0
SAP SE SPONSORED ADR SPON ADR 803054204 842 6,156 SH   DFND   6,156 0 0
DIAGEO PLC - SPONSORED ADR SPON ADR NEW 25243Q205 2,167 12,575 SH   DFND   12,575 0 0
UNILEVER PLC SPONSORED ADR SPON ADR NEW 904767704 2,075 33,478 SH   DFND   33,478 0 0
TOTAL FINA ELF S A ADR SPONSORED ADR 89151E109 210 3,767 SH   DFND   3,767 0 0
BP PLC SPONSORED ADR 055622104 2,912 69,826 SH   DFND   69,826 0 0
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803 388 4,968 SH   DFND   4,968 0 0
ISHARES BARCLAYS TIPS BOND FUND TIPS BD ETF 464287176 368 3,187 SH   DFND   3,187 0 0
VANGUARD TOTAL STOCK MARKET TOTAL STK MKT 922908769 28,804 191,910 SH   DFND   191,910 0 0
ISHARES S&P US PREFERRED STOCK INDEX FUND U.S. PFD STK ETF 464288687 784 21,275 SH   DFND   21,275 0 0
INVESCO QQQ TRUST SERIES 1 UNIT SER 1 46090E103 926 4,961 SH   DFND   4,961 0 0
ISHARES US HEALTH CARE PROVIDERS ETF US HLTHCR PR ETF 464288828 252 1,473 SH   DFND   1,473 0 0
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 233 1,750 SH   DFND   1,750 0 0
MIDCAP SPDR TRUST SERIES 1 UTSER1 S&PDCRP 78467Y107 2,582 7,282 SH   DFND   7,282 0 0
VANGUARD VALUE ETF VALUE ETF 922908744 910 8,204 SH   DFND   8,204 0 0
ADOBE SYSTEMS COM 00724F101 207 702 SH   DFND   702 0 0
HARRIS CORP DEL COM 413875105 245 1,293 SH   DFND   1,293 0 0
VALERO ENERGY CORP NEW COM 91913Y100 201 2,347 SH   DFND   2,347 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 200 2,904 SH   DFND   2,904 0 0
ALLEGION PUB LTD CO ORD SHS G0176J109 334 3,018 SH   DFND   3,018 0 0
TWILIO INC CL A 90138F102 412 3,025 SH   DFND   3,025 0 0
ZOETIS INC. CL A 98978V103 397 3,499 SH   DFND   3,499 0 0
ANADARKO PETE CORP COM 032511107 282 3,993 SH   DFND   3,993 0 0
FOX CORP CL B COM 35137L204 478 13,096 SH   DFND   13,096 0 0
DISCOVERY INC COM SER C 25470F302 405 14,222 SH   DFND   14,222 0 0